Orrstown Financial Services, Inc. is a financial holding company for its wholly owned subsidiary Orrstown Bank (the Bank). The Bank provides banking and financial advisory services in Berks, Cumberland, Dauphin, Franklin, Lancaster, Perry and York Counties, Pennsylvania, and in Anne Arundel, Baltimore, Harford, Howard and Washington Counties, Maryland. The Bank operates in the community banking segment and engages in lending activities, including commercial, residential, commercial mortgages, construction, municipal, and various forms of consumer lending and deposit services, including checking, savings, time and money market deposits. The Company's lending area also includes counties in Pennsylvania, Maryland, Delaware, Virginia, West Virginia, and District of Columbia. The Bank also provides fiduciary, investment advisory, insurance and brokerage services. The Bank originates home equity loans, home equity lines of credit and other consumer loans.